Having a good credit score has many perks and benefits, including saving money by having lower interest rates when you apply for lines of credit. Your score weighs in on whether or not you pay for security deposits while turning on your utilities. Many factors will have an affect on your credit score, including: your payment history, how much total debt you have, length of credit history, your credit mix, and new credit. Knowing what goes into having a good credit score could make the difference between having poor, good, and excellent credit. Fortunately you have healthy credit. Here are 5 Steps To Keeping Good Credit.